Insurance for cleaners

From public liability to tools and business equipment cover, choose from a range of cover options to create a personalised policy for your cleaning business.

Concerned about tool theft? Tools Essentials helps you replace your most important stolen tools within 24 hours, after a few checks.

Up to £1,500 upfront within 24 hours, after claim checks. Tools and Business Equipment required. Limits apply. Mon to Fri, 8am-6pm, except Bank Holidays.

  • We guarantee to beat your quote or renewal premium from any other insurer.

    New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

  • 0% APR on your monthly direct debit payments in the first year.

    Over 18s, subject to eligibility.

  • Download your policy documents instantly to show proof of your cover to clients.

Cleaners' insurance from a provider with polish

We insure over 500,000 sole traders and small businesses, so we know what support you need from your insurance provider.

Some of the perks of being a Direct Line for Business customer include:

Personalised insurance

Choose from a range of cover options to get a bespoke policy for your business.

Your own dedicated claims handler

If you need to make a claim, you'll have a dedicated person dealing with your case from start to finish.

Unlimited access to our 24-hour legal helpline

Consult with a team of solicitors and legal experts whenever you need to.

Unlimited policy changes

Hired an employee or expanding your service? We don’t charge you admin fees if you need to amend your policy.

10% off your new cleaners' insurance policy if you're already a Direct Line customer

Discount applies to your new business insurance policy. Subject to minimum premiums.

Get a quote
or call us on 0345 303 1761

Cleaning insurance made for you

At Direct Line for Business, we let you customise your cleaners' insurance policy so that you only pay for what you need. So, whether you're washing floors in an office building or sending employees to clients' houses, you're covered if something goes wrong.

The following cover options can be included in your cleaners' insurance policy. These covers are subject to policy conditions and limits.

  • Tools Essentials

    We know that when you're in the trades, your tools are vital and if the worst happens, they can be very expensive to replace, putting a pause on your business.

    With Tools Essentials, we help you replace your essential tools fast, so that you can get back to work.

    How does Tools Essentials work?

    If your tools are stolen or damaged, contact us as soon as you can. After a few checks, we transfer up to £1,500 to you, within 24 hours, to help you replace your essential tools.

    What are the benefits?

    • By transferring the money to you, you have the flexibility of replacing your tools like for like, so that you can go back to building your empire.
    • We transfer the money to you, even if your tools are stolen or damaged while working abroad (within the EU).
    • If you've had more than £1,500 of tools and equipment stolen or damaged, we'll process the rest of your claim and when approved, send you the remaining balance of your claim.

    How do I get Tools Essentials?

    Buy Tools and Equipment Cover, with or without adding Overnight Tools Cover.


    • Upfront payment of up to £1,500 is transferred to your account, within 24 hours, after the claim has been validated.
    • Proof of purchase or ownership needed.
    • Crime Reference number or proof of damage needed.
    • Claim limits apply.
    • To report damaged or stolen tools, our lines are open between 8am-6pm, Monday to Friday, excluding Bank Holidays.

    Read more on Tools Essentials here.

  • Public liability

    Public liability insurance for cleaners covers you if you accidentally damage property that you don't own, for example, if you're cleaning someone's house and you knock over a vase. It also covers you if someone gets injured because of your work, e.g. if you forget to put up a warning sign and someone slips over a wet floor.

    If someone did pursue a claim against you, public liability insurance would cover your legal fees and compensation costs. We can offer cover from £1 million to £10 million, depending on your business activities and requirements.

    Excess per claim:

    • Third party property damage - £250
    • Third party property damage, escape of water - £500
    • Third party injury - £0

    Read more about public liability

  • Damage to third party property

    For certain cleaning trades, we can extend your public liability cover to include damage to the property being worked on, e.g. if you're cleaning a client's carpet and you accidentally tear the carpet, we can cover the resulting costs.

    Excess: you will be liable for 10 per cent of each and every claim, with a minimum contribution by you of £250 up to a maximum contribution by you of £500.

  • Employers' liability

    If you have employees, even if they just work for you on a temporary basis, you're legally required to hold employers' liability insurance. This covers you if an employee is injured or becomes ill due to the work they do for you. For example, if one of your cleaners hurts themselves because you didn't provide them with adequate safety gear for using chemicals. If you take out this insurance, we will cover you for £10 million, as standard.

    If you choose our employers' liability insurance, you'll need to take out public liability insurance with us as well.

    Read more about employers' liability

  • Temporary employee cover

    If you take out public liability or employers' liability insurance with us, you'll automatically get cover for temporary employees, if you use them.

    The maximum number of days we cover temporary employees for will vary depending on the number of manual workers in your business.

    • 1 – 5 manual workers - 60 days
    • 6 – 10 manual workers - 100 days
    • 11 – 15 manual workers - 150 days

    Please note that the maximum number of days reflects the total number of days worked by all of your temporary employees. So, if you have seven manual workers in your business, we will provide cover for 100 days worked by all temporary employees in total.

  • Tools and business equipment

    If something happens to your tools or equipment, you might find yourself unable to complete jobs. Luckily, you can insure the items needed to run your business with our tools and business equipment insurance.

    We can cover everything from ladders, steps, mops and dusters, to powerful cleaning tools like pressure washers and vacuum cleaners. If they’re damaged or stolen, we can cover the cost of replacing them so that you can get on with running your business.

    We can cover tools stolen during the day, as long as the tools are secured in a locked building or in a vehicle where all points of access are locked.

    Cover limits:

    Tools owned by the business

    • Up to 5 workers – £40,000
    • Up to 10 workers – £50,000
    • Up to 15 workers – £75,000

    Tools owned by your employees - up to £10,000 per person

    Excess per claim - £100

    Read more about tools and business equipment cover

  • 24-hour tools cover

    If you're concerned about your tools getting stolen overnight, you can upgrade your tools and business equipment cover, by adding overnight tools cover for an additional premium.

    Our 24-hour tools insurance covers your tools at home or in the van, wherever you are in the EU, as long as you are a UK resident.

    In order to obtain overnight cover, when you get a quote online, you will need to answer 'Yes' to the following question: 'Our standard cover excludes theft from a vehicle overnight. Would you like to add cover for overnight theft of your tools and business equipment from a vehicle?'

    Cover conditions: your vehicle must be secured at all points of entry and any alarms or immobilisers must be set. Tools must be hidden from view and removed when the vehicle is not being used for business purposes for more than five consecutive days. Cover excludes electrical items such as laptops, cameras, mobile phones, removable satellite navigation systems, handheld survey equipment etc.

    Cover limit: there is a limit of £10,000 per claim and a single article limit of £1,500.

    Excess: you will be liable for 10 per cent of each and every claim, with a minimum contribution by you of £100 up to a maximum contribution by you of £500.

    Read more about 24 hour tools cover

Get a quote
or call us on 0345 303 1761

Policy documents

View and download our policy documents here:

Frequently asked questions

  • QHow much is insurance for a cleaning business?

    Your premium will depend on a number of factors, such as the size of your business, the types of cover you include in your policy and the different types of work you carry out. Because we let you tailor your insurance policy, you’ll only pay for the insurance your business needs.

  • QWhat type of cleaners can you insure?

    We can insure a wide-range of professional cleaners, from office cleaning companies to house cleaning businesses and carpet cleaning services. We can insure you if you are a domestic cleaner working alone or if you run a commercial cleaning company with several employees. Enter your details on our online quote tool to find out exactly what we can offer you and get a personalised quote for your business.

  • QDo you cover window cleaners?

    Yes – you can learn more about our window cleaning insurance here.